Generali Insurance AD
Generali
Generali is a motor third-party liability insurance for the Bulgaria market with online purchase and 24/7 assistance.
Direct payment
Injured third parties may file claims directly against Generali as the insurer of the at-fault driver. The local Generali Group representative is authorised to represent the company and settle claims on its behalf for events abroad under the Green Card insurance.
Geographic scope
Bulgaria and international
Republic of Bulgaria, all EU Member States, all EEA states, Andorra, Serbia, and Switzerland. For remaining Green Card system countries (excluding Russia and Belarus), a Green Card certificate is required.
Unique selling points
- Attractive pricing for experienced drivers over 40 years of age with preferential offers.
- Free Green Card certificate issued automatically with every MTPL policy for travel across Green Card system countries.
- Fully online policy issuance and renewal via the Generali Online portal and My Generali app, with free physical document delivery within 2 working days.
- SMS payment reminders before each instalment due date to prevent coverage gaps from missed payments.
- Discount on MTPL renewal when combined with Casco or Auto Assistance products from Generali.
Coverage limits
Bodily Injury and Death Liability
Covered
Covers liability for bodily injury and death caused to third parties. Mandatory minimum limit per event as set by the Bulgarian Insurance Code: BGN 10,420,000 (equivalent to EUR 6,450,000) per event, regardless of the number of injured persons.
Property Damage Liability
Covered
Covers liability for property damage caused to third parties. Mandatory minimum limit per event as set by the Bulgarian Insurance Code: BGN 2,100,000 (equivalent to EUR 1,300,000) per event, regardless of the number of injured persons.
Legal Costs and Interest
Covered
Reasonably incurred court costs and interest for late payment awarded against the insured are covered within the mandatory liability limits as prescribed by the Insurance Code. Fines and other financial sanctions imposed on the at-fault driver are explicitly excluded.
Green Card Certificate
Covered
A Green Card international motor insurance certificate is issued free of charge upon conclusion of the MTPL policy. It serves as proof of valid insurance when travelling abroad in Green Card system countries not automatically covered under the base territorial scope. The local Generali Group representative is authorised to handle claims abroad under this certificate.
Roadside Assistance
Excluded
Roadside assistance is not included in the base MTPL policy. Generali offers a separate, paid 'Auto Assistance for Bulgaria' product in three packages (Standard+, Mega+, Lux+), providing 24-hour towing, tyre change, fuel delivery, jump-start and other services. A 24-hour assistance centre is accessible via short number *7222.
Driver Accident Cover
Excluded
Damages suffered by the at-fault driver are explicitly excluded from the MTPL policy. Generali offers a separate voluntary 'Accident of Persons in Motor Vehicles' insurance product for this coverage.
Passenger Accident Cover
Excluded
Accident insurance for passengers is not included in the MTPL product. Generali offers a separate mandatory 'Accident of Passengers in Public Transport Vehicles' and a voluntary 'Accident of Persons in Motor Vehicles' product for this coverage.
Key conditions
Territorial scope
Coverage applies in the Republic of Bulgaria, all EU Member States, all EEA states, Andorra, Serbia, and Switzerland. For remaining Green Card system countries (excluding Russia and Belarus), a Green Card certificate is required as proof of cover.
Green card rules
A Green Card certificate is issued free of charge upon conclusion of the MTPL policy and serves as proof of valid insurance in Green Card system countries not automatically included in the base territorial scope. The Generali Group local representative is authorised to represent the company and settle claims on its behalf for events abroad.
Driver restrictions
The policy covers the liability of physical and legal persons for damages caused to third parties related to ownership and/or use of motor vehicles. Damages suffered by the at-fault driver, damages to the vehicle operated by the at-fault driver, and damages to property being transported in that vehicle are explicitly excluded.
Claim notification deadline
Upon an insured event, the insured must take necessary steps to rescue injured persons and limit property damage, immediately notify the competent road traffic authorities where required by law, and notify their MTPL insurer in writing of all relevant facts and circumstances. The claim notification deadline is 3 working days; if the deadline falls on a non-working day, notification must be made on the next working day.
Bonus-malus rules
A bonus-malus system is legislated in the Bulgarian Insurance Code. Insurers currently apply individual systems to adjust premiums based on claims history. Each claim-free year moves the driver towards a lower class and a cheaper premium (bonus); each at-fault claim increases the premium (malus). A no-claims discount is offered upon renewal for private passenger cars owned by individuals without claims.
Where to buy
Documents
IPID – Insurance Product Information Document for MTPL
ipid
Policy specifics
Green Card Certificate
International motor insurance certificate for travel in EU member states and Green Card system countries
Mandatory Liability Limits
Minimum liability coverage mandated by Bulgarian law and Insurance Code
Territorial Coverage
Geographic scope of MTPL insurance coverage for liability events
Policy Duration
Standard duration of MTPL insurance contracts
Premium Payment
Flexible payment arrangements for MTPL insurance premiums